Can I retire at age 52 with 1,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$156,900$155,503$154,139$152,808$151,509$147,368
2 years$77,673$76,227$74,825$73,465$72,147$68,006
3 years$51,268$49,815$48,417$47,070$45,773$41,760
4 years$38,068$36,619$35,235$33,911$32,646$28,793
5 years$30,150$28,710$27,344$26,047$24,817$21,134
6 years$24,873$23,444$22,098$20,830$19,637$16,128
7 years$21,105$19,688$18,363$17,126$15,970$12,635
8 years$18,280$16,876$15,574$14,366$13,249$10,086
9 years$16,085$14,694$13,414$12,237$11,157$8,164
10 years$14,329$12,952$11,694$10,548$9,506$6,679
11 years$12,894$11,530$10,295$9,180$8,176$5,509
12 years$11,698$10,349$9,137$8,052$7,085$4,574
13 years$10,688$9,353$8,163$7,109$6,178$3,818
14 years$9,822$8,501$7,335$6,310$5,416$3,201
15 years$9,073$7,766$6,622$5,628$4,769$2,692
16 years$8,418$7,125$6,004$5,039$4,214$2,272
17 years$7,840$6,562$5,463$4,528$3,737$1,921
18 years$7,328$6,064$4,987$4,080$3,323$1,628
19 years$6,869$5,620$4,566$3,687$2,962$1,382
20 years$6,457$5,222$4,190$3,339$2,645$1,175
21 years$6,085$4,864$3,854$3,031$2,367$1,000
22 years$5,747$4,540$3,552$2,755$2,122$852
23 years$5,439$4,247$3,280$2,509$1,905$726
24 years$5,157$3,979$3,033$2,289$1,712$620
25 years$4,898$3,734$2,809$2,090$1,541$529
26 years$4,660$3,509$2,606$1,911$1,388$452
27 years$4,439$3,303$2,420$1,749$1,251$386
28 years$4,235$3,112$2,249$1,603$1,129$330
29 years$4,045$2,936$2,093$1,470$1,019$283
30 years$3,868$2,773$1,950$1,349$921$242
31 years$3,702$2,621$1,818$1,239$833$207
32 years$3,548$2,480$1,696$1,139$753$177
33 years$3,403$2,349$1,583$1,047$682$152
34 years$3,266$2,226$1,479$963$617$130
35 years$3,138$2,111$1,383$887$559$111
36 years$3,018$2,004$1,294$817$507$95
37 years$2,904$1,903$1,211$752$459$81
38 years$2,796$1,809$1,134$694$416$70
39 years$2,694$1,720$1,063$640$377$60
40 years$2,598$1,636$996$590$342$51
41 years$2,506$1,558$934$544$311$44
42 years$2,419$1,484$876$502$282$38
43 years$2,336$1,414$822$464$256$32
44 years$2,257$1,347$772$428$232$28
45 years$2,182$1,285$725$395$211$24
46 years$2,111$1,226$681$365$191$20
47 years$2,043$1,170$639$337$174$17
48 years$1,977$1,117$601$312$158$15
49 years$1,915$1,066$565$288$143$13
50 years$1,855$1,019$531$266$130$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,900,000, adding $3,505 every year, while hoping to spend $52,209 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 50/36/14 Blend
51$1,900,000$1,900,000$1,900,000$1,900,000
52$2,097,415$1,996,715$1,967,265$2,194,094
53$2,255,802$2,039,004$1,977,619$2,303,172
54$2,428,594$2,081,616$1,986,569$2,415,895
55$2,617,206$2,124,510$1,994,015$2,537,229
56$2,823,194$2,167,645$1,999,848$2,667,998
57$3,048,273$2,210,972$2,003,955$2,809,114
58$3,294,329$2,254,442$2,006,220$2,961,579
59$3,563,439$2,297,999$2,006,517$3,126,501
60$3,857,891$2,341,582$2,004,716$3,305,096
61$4,180,203$2,385,126$2,000,681$3,498,710
62$4,533,148$2,428,561$1,994,269$3,708,822
63$4,919,780$2,471,812$1,985,328$3,937,066
64$5,343,462$2,514,796$1,973,701$4,185,240
65$5,807,899$2,557,425$1,959,224$4,455,329
66$6,317,170$2,599,604$1,941,723$4,749,519
67$6,875,768$2,641,230$1,921,017$5,070,223
68$7,488,641$2,682,196$1,896,916$5,420,097
69$8,161,241$2,722,382$1,869,221$5,802,073
70$8,899,572$2,761,663$1,837,725$6,219,381
71$9,710,249$2,799,905$1,802,209$6,675,584
72$10,600,556$2,836,962$1,762,445$7,174,608
73$11,578,520$2,872,681$1,718,194$7,720,784
74$12,652,983$2,906,896$1,669,207$8,318,885
75$13,833,685$2,939,431$1,615,224$8,974,173
76$15,131,357$2,970,099$1,555,969$9,692,452
77$16,557,820$2,998,699$1,491,159$10,480,118
78$18,126,099$3,025,016$1,420,494$11,344,224
79$19,850,543$3,048,824$1,343,663$12,292,545
80$21,746,961$3,069,879$1,260,338$13,333,654
81$23,832,771$3,087,923$1,170,179$14,477,001
82$26,127,163$3,102,681$1,072,830$15,733,005
83$28,651,283$3,113,862$967,919$17,113,152
84$31,428,426$3,121,153$855,056$18,630,107
85$34,484,260$3,124,225$733,836$20,297,828
86$37,847,069$3,122,726$603,834$22,131,706
87$41,548,016$3,116,285$464,607$24,148,707
88$45,621,436$3,104,505$315,694$26,367,535
89$50,105,163$3,086,967$156,611$28,808,808
90$55,040,887$3,063,226$0$31,495,256
91$60,474,542$3,032,808$0$34,453,901
92$66,456,743$2,995,214$0$37,735,491
93$73,043,264$2,949,912$0$41,347,137
94$80,295,560$2,896,341$0$45,322,490
95$88,281,349$2,833,903$0$49,698,635
96$97,075,251$2,761,969$0$54,516,451
97$106,759,491$2,679,870$0$59,820,990
98$117,424,675$2,586,900$0$65,661,908
99$129,170,642$2,482,308$0$72,093,934
100$142,107,411$2,365,304$0$79,177,388